Job Title: Credit Underwriting-SME

Job Summary

The Credit Underwriting-SME is responsible for evaluating creditworthiness of small and medium enterprise (SME) customers applying for loans or credit facilities. The role involves financial analysis, risk assessment, and making informed credit decisions while ensuring compliance with internal policies and regulatory guidelines.

Key Responsibilities

• Analyze loan applications for SME customers including working capital loans, term loans, and business loans.

• Assess financial statements such as balance sheets, profit & loss statements, cash flow statements, and bank statements.

• Evaluate borrower credit history, repayment capacity, and business performance.

• Conduct industry and market analysis to understand business risks.

• Review collateral valuation and security documentation where applicable.

• Prepare credit appraisal notes and recommend approval, modification, or rejection of applications.

• Ensure adherence to internal credit policies and regulatory requirements.

• Coordinate with sales, risk, and operations teams to process loan applications efficiently.

• Monitor existing SME accounts and identify early warning signals of credit risk.

• Maintain accurate documentation and records of credit decisions.

Experience

• Typically 2–6 years of experience in loan underwriting in a bank, NBFC, or fintech company.

Key Skills

• Credit risk assessment

• Knowledge of SME lending products

• Understanding of regulatory guidelines and credit policies

• Analytical and decision-making skills

• Good communication and report-writing skills

Preferred Knowledge

• Ratio analysis (DSCR, leverage ratios, liquidity ratios)

• Cash flow analysis

• Credit bureau report analysis (CIBIL or equivalent)

• Understanding of business sectors and risk indicators

Key Performance Indicators (KPIs)

• Quality of credit decisions

• Portfolio delinquency levels

• Turnaround time (TAT) for loan processing

• Compliance with risk and credit policies

Looking for someone who can join within 1 month or immediately.